Bermuda Property Matters 2026

BERMUDA PROPERTY MATTERS

2026 Priceless

The complete guide to Island property for buyers and sellers

Dream Homes n Mortgage insights n Wealth through property n Property spotlight

Call before you dig Avoid hitting underground cables and keep your workers safe Please call BELCO at least one week before any digging or trenching. We’ll visit your site to locate and mark underground cables. This free service helps to keep workers safe and prevents the interruption of your electricity supply.

For more information, email info@belco.bm or call 955. belco.bm

Hurricane

Awareness

Trim your trees.

Prevent outages.

Falling branches cause most power outages.

At the beginning of hurricane season, trim your trees at least 10 feet from power lines to reduce storm related outages.

Call BELCO 3 weeks in advance to schedule a power shutdown so you can trim safely.

295.5111 belco.bm

Efficiency Ratings

ATMOSPHERA

The next generation of home air conditioning is here.

Daikin Atmosphera air conditioners are single-zone systems that combine comfort and function with a significantly reduced impact on the environment and increased energy efficiency to offer a sophisticated climate control solution that benefits the earth and lowers costs.

Keep the air in your home fresh, clean and controlled with a residential HVAC system from AIRCARE.

At AIRCARE, excellence is everyday.

aircare.bm | info@aircare.bm | 292.7342

UP TO 27.4 SEER UP TO 13.8 HSPF UP TO 16.3 EER

R32 Refrigerant

R32 Refrigerant is the next generation of refrigerant. It provides excellent thermodynamic properties, reduced indirect emissions and can consume less electricity over the lifetime of the equipment versus its’ predecessor (R-410).

Hybrid Cooling

Dehumidifies efficiently even in low cooling loads, and maintains dehumidification effect after the target temperature is reached.

Intelligent Eye

An infrared sensor with the ability to sense movement in the room. If the room is empty for 20 minutes, it changes the set point to start saving energy.

CONTENTS STRAP Published by Bermuda Media PO Box HM 2032 Hamilton HM HX Tel (441) 292-7279 E-Mail: hello@bm.bm www.bermudamedia.bm

15 Best Properties Must see listings 23 Key Contact Listings The essential guide to who does what

Publisher: Ian Coles Marketing Director: Lissa Fisher Art Director: Tim Parker

Associated Media: Bermuda Business Visitor New Resident Guide Your Future Going Green Health & Beauty Building Bermuda House Garden Kitchen and Bath Your Office and Commercial Space The Bermuda Channel Diversity, Equality and Inclusion

6 Trending The latest home developments 7 Legal Advice Local expertise is essential 9 Investing The property buyers playbook Smallest by Size.

Largest in Care.

Bermuda’s Boutique Real Estate Experience.

At Kim Sheen Properties, we may be the smallest real estate company in Bermuda — and we’re proud of it.

Why? Because it means every client and customer gets our full attention, everyone is treated with personal care, and every detail matters.

We offer something the big firms can’t: discreet, personalized service tailored to discerning clients.

Whether you’re buying your dream home or selling a treasured property, we bring local insight, unmatched dedication, and personalized service you won’t find anywhere else.

It’s not about being the biggest — it’s about being the most attentive.

✆ 441-734 -1264

 kim@kimsheenproperties.bm

www.kimsheenproperties.bm

Where Indoor Meets Outdoor Studio TK Long Point delivers sophisticated design that performs beautifully in any environment.

With UV-resistant textiles, water-barrier cushions, and weather-resistant surfaces, this collection moves seamlessly from indoor to outdoor living.

Your new classic for modern living.

292.7272 | info@furnitureflair.bm WE’VE MOVED! 129 Front Street, Ground Floor, Hamilton HM 12

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Bermuda Property Matters 2026

Bermuda's Finest An unrivaled spirit of trusted reliability, exceptional 24-hour service, and a sparkling, healthy, clean.

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AWARD WINNING EXCELLENCE

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#TRENDING

STRAP

Water (almost) Everywhere

Bermuda Waterworks provides potable water through its pipeline distribution system that extends from Devonshire through parts of Hamilton and as far west as the intersection of Somerset Road and East Shore Road. It also sells bottled water under the Pure Water brand, produced by distillation — pure to the last drop. Tel: 299-7873. Email: purewater@bwl.bm. www.bwl.bm.

Glamour Underfoot

Step into Hollywood’s golden age with Delano 1601, a stunning carpet that captures 1930s Art Deco sophistication. This hand-loomed masterpiece features elegant curved motifs that flow across the carpet’s width, creating movement and luxury reminiscent of classic movie palaces. Crafted from 100% Econyl® regenerated nylon, Delano 1601 delivers both environmental responsibility and exceptional performance. The artisanal construction ensures premium quality, while durable nylon provides lasting beauty for high-traffic areas. Exclusively available at Furniture Flair. www.furnitureflair.bm

Affordable Cooling

The Future of a/c

Buy Gree, Plant a Tree HVAC Shack is a proud sponser of the BZS Microforest project.

End users of Gree air conditioners can have a lasting positive impact on our environment, community and planet.

542-1033 hvacshack@coldsnapservices.com 6

Gree’s new LIVO GEN4 has arrived in Bermuda.

Boasting an impressive 20 SEER2 rating and equipped with WiFi modules for maximum comfort control. Beat the heat this summer with Gree.

Exclusively at HVAC Shack Ltd. Tel: 542-1033.

Email: hvacshack@coldsnapservices.com. www.hvacbda.com

With a CEER rating of 13.9, the Midea 12,000 BTU window air conditioner is an affordable option for those looking for a temporary solution to cool a small space. The unit is Energy Star rated and has desired features that include being self-evaporative, autodefrosting and auto-restarting functions, fresh air ventilation and both heating and cooling.

Available exclusively at AIRCARE. Tel: 292-7342. Email: info@aircare.bm. www.aircare.bm

Draped in Style Elevate your windows with

sophisticated layering. The Olivia Pleat collection showcases Drapery with Vertical Trim beautifully paired over Flat Roman Shades with Horizontal Trim, creating depth and visual interest while offering flexible light control. Part of the Hunter Douglas family since 1990, Carole Fabrics puts colour, pattern and texture at the forefront of design. Their skilled artisans achieve exceptional quality while maintaining the handmade touch that sets their products apart. With over 1,200 new fabrics launched annually, Carole ensures your window treatments stay on-trend.

Available at Furniture Flair. www.furnitureflair.bm Bermuda Property Matters 2026

LEGAL ADVICE STRAP

When Purchasing Your Dream Home…

Denis de Frias provides a guide to help you buy your new home in Bermuda.

1. Get Your Finances in Order ✔ Preapproval: A mortgage charges the

title of the property until repayment of the loan is complete, at which time the charge is released. It’s always best to start by making an appointment with a local lender to seek pre-approval for financing.

Confirm with your lender how long pre-approval lasts for and how often you should have it renewed. ✔ Stamp Duty: The Government Stamp Duty charged on the transfer deed should be considered. Your attorney will prepare a mortgage deed; there are stamp duty and legal costs associated with this document, too, and these costs are the sole responsibility of the purchaser/borrower.

2. Find a Property Attorney While purchasing a property can be a relatively straightforward transaction, each deal presents its own unique circumstances that require the guidance of professionals trained in the intricacies of buying/selling Bermuda property.

3. Background Checks Know what you

are actually purchasing. ✔ Property Condition: Bermuda is known for its proven construction methods; thus, buyers do not customarily request structural surveys. However, if the site is sloped, there is a possibility of termite infestation or outdated electrical and/or plumbing installations, a survey is warranted. ✔ Boundaries: Ensure that the seller re-stakes the property boundaries to ensure there are no encroachments or other discrepancies. ✔ Tenants: When purchasing a property that contains one or more units, verify: • If tenants are currently living in the property • The rent registered with the Rent Commissioner’s Office • There have been no illegal increases in rent and the history of tenant payments. ✔ Planning Search: A planning search

is conducted to ensure that no property

development has been made without planning permission. This usually takes four weeks to be processed. ✔ Title Search: Your attorney will conduct a title search and will also search the Land Title Registrar’s Office and Supreme Court for any outstanding mortgages and judgments against the property, the seller, and predecessors in title. ✔ Land Taxes: These are payable twice a year in equal instalments. The history of payments should be verified to ensure all taxes have been paid.

4. Sign on the Dotted Line: Once you have made an offer on the property, and it has been accepted, your attorney will review the sale and purchase agreement and make any necessary amendments before you sign it.

Denis de Frias is a director of MJM Limited and is responsible for the firm’s property practice. Mr de Frias has more than 25 years of experience in a broad range of property transactions, including condominium development, complex financing structures and residential and commercial real estate sales and purchases.

Property Pr operty

Our pr property operty team is dedicated to pr providing oviding pragmatic and rresponsive esponsive advice acr across oss a broad broad spectrum of commercial property rresidential esidential and commer cial pr operty acquisitions and sales (fr (freehold eehold and leasehold), mortgages and other pr property operty rrelated elated transactions.

W We e pr provide ovide a ful fulll range of services to our pr property operty cl clients ients in tthe he fol following lowing ar areas: eas: W Pur chase and sale of Ber Purchase Bermuda Mortgages and secured muda secured lending W

pr operty property Planning and development Pur chase and sale of hotel pr Purchase properties operties Purchase Purchase and sale of local businesses involving commercial commercial property property Condominium development Conveyancing for estate planning General pr operty advice property

Residential and commercial commercial conveyancing and leases

MJM LIMITED

P .O. BOX HM 1564 P.O.

TEL 441.292.1345

4 BURNABY STREET

BERMUDA

BLOG www.bermudalawblog.bm www.bermudalawblog.bm

THISTLE HOUSE

HAMIL LTON HM 11 HAMILTON

HAMILTON HAMIL MILLTON HM FX

Bermuda Property Matters 2026

For furt further her information information please contact:

Denis de Frias Stephanie Mat Matthews thews For furt further her information information please contact: Nathan Nat han Samuels Denis Frias Hil de de Frias Stephanie Matthews Mat thews h Nathan Nat hanFrias Samuels Hil de Hil de Frias

WEB www.mjm.bm www.mjm.bm

in llinkedin.com/company/mjmlimited inkedin.com/company/mjmlimited

7

#TRENDING

Better for Bermuda

B

ermuda Waterworks is an excellent choice for environmentallyconscious individuals. It manufactures bottled water in reusable 3- and 5-gallon containers and offers credit for returned bottles in good condition, significantly reducing pollution. Returned bottles are inspected, cleaned, sanitised, filled, and capped.

Bottles with leaks or misuse are rejected. Only Pure Water should be refilled, not other liquids or trash. Rejected bottles can be used for sports or fundraising events if clients contact the company.

Their most popular water cooler is Energy Star-rated, helping reduce energy bills and greenhouse gas emissions.

Eco-Friendly Cooling

Available models include room temperature/cold, hot/ cold, and non-electric options like the dolphin pump, cradle and valve, and ceramic crockpot.

Bermuda Waterworks also provides piped metered water made by reverse osmosis, with energy-efficient equipment reducing fossil fuel use. For over 85 years, they have met Bermuda’s growing water needs, making production as green and efficient as possible.

G

ree’s Generation 4 residential airconditioning units set a new standard in eco-friendly cooling. Designed for comfort and sustainability, these systems use low-GWP refrigerants that significantly reduce environmental impact and align with global conservation goals.

Smart connectivity allows users to control settings via Gree’s mobile app, ensuring personalized comfort and improved energy efficiency. This not only saves power but also enhances convenience.

PURE WATER & PURE ICE vending machine IS OPEN 24 HOURS MAKE SURE YOU BRING YOUR BOTTLE CAP!

The sleek, modern design fits seamlessly into any home, while advanced filtration systems help purify indoor air by removing pollutants and allergens— promoting a healthier living space.

With their combination of energy efficiency, sustainability, and smart features, Gree’s Generation 4 units are an ideal choice for homeowners looking to reduce their carbon footprint without sacrificing performance or style.

Tel: 542-1033. Email: hvacshack@coldsnapservices.com

Kim Sheen: Trusted, Proven, Results-Driven HOURS OF OPERATION

MONDAY - FRIDAY: 8 a.m. – 5 p.m.

(OFFICE, RETAIL SHOP & DRIVE THRU)

SATURDAY: 9 a.m. – 1 p.m.

(DRIVE THRU ONLY)

32 Parsons Lane, Devonshire tel: 299-PURE e-mail: purewater@bwl.bm web: www.bwl.bm A DIVISION OF BERMUDA WATERWORKS LIMITED

8

With many decades in real estate and a proven record in Bermuda property sales, Kim brings unmatched expertise, strategic insight, SMALL SMALL.. F FOCUSED. OCUSED . FIER FIERCELY CELY C COMMITTED. OMevery MITTED.client. As founder of Kim and a personal commitment to Sheen Properties, she delivers tailored service designed to maximize value and streamline the selling & renting process. A recognized industry leader, Kim serves as Deputy Chair of the Chamber of Commerce Real Estate Division, Chair of the Banking Sub-Committee, and is also a Committee member of the Ethics Standards Handbook and Ethics Committees.

Ready to sell smart? Visit www.kimsheenproperties.bm and put Kim’s experience to work for you.

Tel: 734-1264 u kim@kimsheenproperties.bm Bermuda Property Matters 2026

INVESTING

Smart Investing in Property F

Why Bermuda Real Estate Remains a Solid Wealth-Building Strategy

or generations, property ownership in Bermuda has been one of the most reliable ways to build and preserve wealth. Whether you’re a first-time buyer, a seasoned investor, or an overseas resident with your sights set on island living, Bermuda’s real estate market continues to offer exceptional opportunities.

From stable long-term appreciation to strong rental yields, property in Bermuda remains a powerful wealth-building strategy—particularly for those who do their homework and invest with a longterm view.

“Multi-unit properties and standalone homes with rental income potential continue to deliver the strongest return on investment,” says Cecilia ‘Cesa’ Edwards, Founder and Real Estate Broker at Bermuda Longtail Real Estate. “There’s also growing interest in properties zoned for mixed-use. Energy-efficient upgrades are becoming smart investments as operational costs rise.”

Bermuda Property Matters 2026

Edwards emphasizes that success in the Bermuda property market hinges on working with someone who knows the local landscape. “My advice? Look at the story behind the property and always align with a realtor who understands your long-term vision,” she says.

“Bermuda’s market is relationship-driven and layered with nuances that shift from parish to parish.”

That perspective is echoed by Kim Sheen, Broker/Owner of Kim Sheen Properties, who points out that even grand estate properties can offer incredible returns when approached creatively. “Bierman Astor Estate is one example—13 bedrooms and 13 bathrooms on 7 acres of waterfront in Ferry Reach. It could be transformed into residential or vacation rentals with endless possibilities.”

But Sheen is quick to point out that legal and regulatory knowledge is critical, especially for overseas buyers.

“Understanding the rules and regulations

of Bermuda law for non-Bermudian purchases is a must,” she explains. “From Annual Rental Value thresholds to licensing fees, a qualified lawyer should be your first call.”

Government regulations currently allow non-Bermudians to purchase residential properties with a single assessment number and a minimum ARV (Annual Rental Value). However, Permanent Resident Certificate (PRC) holders and BOTC (British Overseas Territories Citizens) may enjoy more flexibility, so it’s essential to understand your status and options.

Sallyann Smith, Managing Director of The Property Group, notes that the right investment depends on who you are and what your goals are. “For non-Bermudians, properties affiliated with hotels like Azura offer the chance to enjoy a holiday home while earning income by renting rooms back to the hotel,” she says. “There are even some government incentives available for this kind of purchase.”

For local investors, Smith recommends condos for their ease of maintenance and rental potential.

“Condos can be a great choice for residents. Maintenance is covered by monthly fees, and rental demand remains strong—especially in desirable areas.”

Smith also advises keeping an eye on a property’s physical attributes.

“Location is always key, but room sizes, light exposure, and even the orientation of the home can add value. Renovations can help push up an investment, and waterfront or ocean-view properties remain among the most desirable.”

Across the board, Bermuda’s market continues to reward thoughtful investment—especially when guided by experienced local professionals. Whether your goal is long-term rental income, a home that grows with your family, or a part-time residence with short-term earning potential, the island offers more than just beauty and stability—it offers a real return on smart decisions.

Ready to invest? Start by defining your goals, partnering with a trusted realtor, and understanding the rules that apply to your situation. From that foundation, the path to smart property investment in Bermuda is as rewarding as the views.

9

HUGE MORTAGE SAVINGS!

Paying 8%, 9% or even 10% on your mortgage?

You can lower it today to: Switching to BCB isn’t just possible – it’s easy!

We take care of the bank transfer for you and there are no fees to switch or stamp duty under $1M. Visit our refinancing website to see how much you can save this month and for the future.

You might be surprised!

6.25

%

If you have 15 years left on your $500,000 mortgage and are paying 9%, switch to a BCB mortgage at 6.25% and you’ll save approximately $141,000 over 15 years.

To apply or find out more visit bcb.bm/mortgages or contact the BCB team at lending@bcb.bm Bermuda Commercial Bank Limited is licensed and regulated by the Bermuda Monetary Authority to conduct banking and investment business under the Banks and Deposit Companies Act 1999 and the Investment Business Act 2003. Terms and conditions may vary as benefits will differ on a case by case basis.

MORTGAGE INSIGHT

The time is right: Switch your mortgage today I

Take advantage of BCB’s competitive 6.25% rate

f you’re like most people, you welcome ways to save money. This is especially true nowadays as everything – from a trip to the grocery store to a trip abroad – seems to be getting more and more expensive.

The good news? Switching your mortgage to Bermuda Commercial Bank will help you reduce your monthly expenses, so you’re actually saving money.

And it’s easy to do.

Check what you’re paying, then make the move

How much interest are you currently paying on your mortgage? Chances are, it’s as much as 8%, 9% or even 10%.

We think those rates are too high.

That’s why we’re currently offering a highly competitive 6.25% rate to homeowners who switch their mortgages to BCB today.

Lowering your interest rate will reduce your monthly mortgage payments and make a significant difference to your bottom line. That’s the kind of break we could all use right now.

Bermuda Property Matters 2026

Consider these examples. Let’s say you have 15 years left on your $500,000 mortgage:

• If you’re currently paying 8% and switch to a BCB mortgage at 6.25%, you’ll save • approximately $6,000 per year • approximately $90,000 over 15 years • If you’re currently paying 9% and switch to a BCB mortgage at 6.25%, you’ll save • approximately $9,500 per year • approximately $141,000 over 15 years

In addition to lower interest payments and the substantial savings, when you move your mortgage to BCB, you can rest assured that your mortgage will be repaid by the end of your term – you won’t be surprised with an unexpected payment when your mortgage matures.

Switching isn’t just possible – it’s easy!

Moving your mortgage to a different bank may seem like a lot of work. But it’s not. Our streamlined application process makes switching your mortgage to BCB simple and straightforward. Applying online can take as little as 15 minutes.

And once your application is approved,

all you have to do is contact your current lender and let them know you’re making the move to BCB. We’ll do the rest of the work to arrange the transfer.

BCB is also committed to ensuring that you don’t get hit with hidden fees or extra costs when you switch your mortgage – after all, the whole point is to help you save money!

That’s why, for a limited time, we’re waiving the standard 1% bank fee for homeowners who move their mortgage to BCB. And when circumstances allow, we’ll include your closing costs, such as legal fees, in the mortgage. Plus, the Government of Bermuda has waived the stamp duty costs for any mortgage amount under $1 million.

If you’re ready to start saving money on your mortgage, reach out to BCB today.

The refinancing calculator on our website will help you figure out how much you’ll save when you switch. Then all you’ll have to do is fill out the online loan application.

We’ll take it from there!

If you need more information, contact the BCB team at lending@bcb.bm.

11

LEGAL ADVICE ENVIRONMENT

Buying your own home is an exciting time.

But there’s lots to think about.

From saving for a deposit, to finding a home, making an offer and securing the deal, here’s a guide to help you through the process.

1. Build up your savings

The first step to getting your dream home is having sufficient funds. If you don’t have enough for a deposit, make a savings plan.

You can also create a budget to see where you can cut back and save more. It’s a good idea to save as much as you can when planning to buy a home because: • a larger deposit may help you reduce your monthly repayments • you will need money to cover the costs of buying a property such as stamp duty, conveyancer’s fees, and moving • your savings can help you furnish or complete work on your new home • a down payment, typically around 20%, is required to borrow funds for your purchase.

Need help with your savings plan? Book an appointment with an HSBC Premium Banker and/or Premier Relationship Manager. Visit: www.hsbc.bm/wealth/ financial-planning.

2. Get an idea of what you can afford

It is then important to get a rough estimate of how much you could borrow for a mortgage to give you an idea of the type of property and location you could afford. It may also help you work out how much you’ll need to save for a deposit.

Try HSBC’s free online mortgage calculator to see how much you may be able to borrow. Visit www.hsbc.bm/mortgages/ calculators.

3. Know what type of property you’re looking for

Take some time to think about what is important in a home versus what you’d like.

This will help you narrow down your search when it comes to looking at properties. For example: What is important

At least 2 bedrooms Outdoor space for dog Close to town

What you would like

Ideally 3 bedrooms Private garden Water views

When making your list, think about your 12

long-term needs. For example, if you’re hoping to start a family, finding a place with room to expand may mean that you won’t have to sell to buy a bigger place in the future.

Location is also important. Visit different areas to get an idea of what it would be like to live there and what areas you can afford to buy in.

type of property you’re buying.

The mortgage application process can take a few weeks. It involves detailed checks of your finances and your lender may want to conduct its own valuation on the property you want to buy. If your mortgage application is approved, your lender will send you an offer.

4. Get a Pre-Approval Letter

There will be legal work involved with buying a property which is carried out by a lawyer. Typically mortgages close within 30 days of sign off and there will be costs involved.

Among other tasks, a lawyer will typically:

A Pre-Approval Letter – also known as an Agreement in Principle – gives you a clear idea of how much you could borrow based on your circumstances. It usually involves a verification of income and savings towards down payment.

A Pre-Approval Letter is not a guarantee that your mortgage application will be accepted, but it can help you understand your options and what you may be able to afford. It also shows real estate agents that you’re serious about buying a property.

HSBC aims to confirm your pre-approval on the same day that you apply. It is free and valid for 90 days. To learn more visit: www. hsbc.bm/mortgages/preapproval.

5. Find the right home and make an offer

With your list of requirements in hand it’s time to contact real estate agents, search for properties and arrange viewings.

It may take some time, but when you find a property you want, deciding on the right price to offer can be exciting and scary. From asking the right questions to negotiating tactics, get tips on how to make an offer on a property.

If your final offer is accepted – congratulations. If not, keep looking – your new home, at a price you’re happy with, could be just around the corner.

6. Apply for a mortgage

Once your offer has been accepted on the property, you can apply for a mortgage.

There are different types of mortgages to choose from. The one for you will depend on your financial situation, future plans and the

7. Carry out the legal work

• check the legal title to the property • manage the chain for exchange of contracts and completion • collect and transfer money including Stamp Duty (if payable) • carry out property searches to check for any environmental or planning issues that might affect the property’s value 8. Exchange contracts and agree a completion date

The exchange of contracts is when lawyers swap signed contracts on behalf of you and the seller. It’s also when they’ll ask you to transfer your deposit over to them.

When you exchange contracts – you’re legally bound to buy the property. You will need buildings insurance in place at this point.

Home Buildings insurance protects you against the cost of repairing or rebuilding your home from scratch, should it get damaged from an insured risk, so it’s important to consider getting the cover you need. Let HSBC Insurance protect your home and property. To request a free, no obligation insurance quote visit www.hsbc. bm/insurance/products/home-buildingsinsurance.

Exchanging contracts is a big milestone, when you can do a celebratory dance.

This is when you can pick up the keys to your new home and give yourself a pat on the back.

Bermuda Property Matters 2026

ENVIRONMENT

The Power of Tree Trimming

I

t is paramount to commence and maintain our hurricane readiness throughout the entirety of the season as it is of the utmost importance to do what we can – well in advance – to maintain safety and minimise the loss of power.

The most effective method of protecting your property and your loved ones is to trim your trees back so that they are at least ten feet away from power lines. Fallen tree branches can pull down power lines and even entire utility poles. These downed lines pose a serious safety risk.

Trimming your trees can also reduce the risk of one of the most inconvenient parts of a hurricane: losing your electricity. Most outages in Bermuda are caused by trees falling on or coming into contact with power lines, even in years where Bermuda avoids a direct hit. By keeping trees trimmed at least 10 feet

back from power lines, the majority of outages can be prevented.

BELCO is not responsible for trimming trees on private property. The sole responsibility for keeping trees trimmed and cut back from power lines lies with the property owners.

It is critically important to remember

that a power line’s electricity must be disconnected before trimming trees next to it. Please contact BELCO three weeks in advance to schedule a time for a power shutdown so your trees can be trimmed safely.

Schedule your tree trimming as soon as possible, hurricane season is already underway so now is the time to make sure that your trees are clear of any power lines.

Visit belco.bm for more information about hurricane safety and contact BELCO at 295-5111 or email treetrimming@belco.bm to schedule a power shut down to trim your trees safely.

“The sole responsibility for keeping trees trimmed from power lines lies with property owners” Bermuda Property Matters 2026

13

ENVIRONMENT

A Greener Home Starts with Your HVAC Save money, stay comfortable, and shrink your carbon footprint — one degree at a time.

Y

our HVAC system is most likely your home’s largest consumer of energy, which increases costs and can impact the environment. However, with careful thought, planning and action, you can ensure your climate control products are as energy efficient and environmentally friendly as possible.

Some of the key factors to consider are as follows: Install Energy Efficient Systems

Ensuring modern, energy efficient heating and cooling equipment is installed can reduce energy use by as much as 50% according to the US Department of Energy, in addition to significantly reducing unnecessary CO2 emissions. Homeowners can check for the following energy efficiency ratings prior to purchasing an HVAC system for their home: 1. Seasonal Energy Efficiency Ratio/ Rating (SEER): the cooling output of an air conditioner over a typical cooling season, divided by the energy it uses in Watt-hours.

2. Combined Energy Efficiency Ratio (CEER): This is used for window units and is the ratio of measured cooling output (in BTU per hour) to measured average electrical energy input (in Watts) and measured standby/off-mode power consumption (in Watts). The key 14

difference of SEER vs CEER is the additional consideration of electricity usage in standby/off-mode.

3. Heating Seasonal Performance Factor Rating (HSPF): the total heat delivered by the device during normal usage divided by the amount of electricity it takes to deliver that heat.

4. Energy Efficiency Ratio (EER): the air conditioner’s capacity is divided by the air conditioner’s power based on a fixed set of conditions (outdoor temperature, indoor temperature, and relative humidity).

The higher the energy rating, the more energy efficient the unit. Energy ratings can be provided for each system supported by AIRCARE to ensure you know the efficiency of the system you are purchasing.

Setting Energy Efficient Temperatures

Setting HVAC systems to an optimal, energy efficient temperature – such as 78⁰F in the summer and 68⁰F in the winter – will ensure that you’re heating and cooling systems are not wasting energy and money or emitting extra, unnecessary greenhouse gases.

Regular Preventative Maintenance

To ensure your HVAC system is running at optimal efficiency, a regularly scheduled maintenance plan should be developed

and executed. The plan will ensure your system’s longevity and efficiency along with ensuring your system is as friendly to the environment as possible.

At AIRCARE, we take a proactive approach through the development of a preventative maintenance plan to ensure your investments continue to work efficiently, to minimise potential issues before they become large, expensive repairs and to save you time, money, and worry in the long run.

AIRCARE also offers a range of energy efficient, proven, effective air purification products and services to significantly reduce the harmful pollutants in your home; in addition to the latest energy efficient HVAC systems from the world’s leading manufacturers including Daikin and Midea.

In order to maximise efficiency, AIRCARE works with you to determine your needs and takes a measured approach that includes preventative maintenance, energy audits and recommendations, integrated system design, installation, testing and energy management and automation systems.

Once a system has been agreed, AIRCARE technicians can take care of full system installation, management, testing, create custom controls, alarms and notifications and provide detailed energy usage analysis and reports to demonstrate cost savings and improved indoor air quality and comfort.

For more information on how to improve heating and cooling efficiency, indoor air quality and ultimately lower costs visit www.aircare.bm or call 2927342 to arrange a consultation.

Bermuda Property Matters 2026

BEST PROPERTIES

Modern Luxury Introducing 12 Welcome Place — a brand-new, four-bedroom, 4.5-bathroom home in the heart of Southampton.

Spanning over 3,000 sq. ft. across three levels, this thoughtfully designed residence blends energy efficiency with high-end finishes and island elegance.

Part of a boutique collection of just five homes, Lot 12 features top-tier appliances, premium flooring, and refined fixtures throughout. Located in a quiet, family-friendly neighborhood, it offers both comfort and peace of mind.

Outdoors, enjoy 1,200+ sq. ft. of living space, including a 45-foot pool, BBQ area, and panoramic Great Sound views.

Set on 0.3 acres, the home is scheduled for completion in Q1 2026, with customization options available.

RealEstate.bm. James Cox. Tel: 777-2699.

Email: jamescox@realestate.bm. www.realestate.bm

Amazing Townhouse

Desirable Paget End unit townhouse at Southdown Farms, South Shore Road, Southampton. Located on over 3 acres of landscaped grounds, this 2 bedroom, 2.5 bathroom home has a spacious living room with a fireplace, a separate dining room and large kitchen. $750,000 Crisson & Co Real Estate. Valerie Crisson. Tel: 799-3607.

Email: vcrisson@crissonrealestate.com. www.crissonrealestate.com Bermuda Property Matters 2026

Located in a sought-after neighbourhood, Opus One is a charming, move-in ready family home offering comfort and potential. This well-maintained, single-level property features an open-plan kitchen, dining, and den area, a spacious living room with a wood-burning fireplace, three bedrooms, one bathroom, a laundry room, and a garage with ample storage. A standout feature is the large wrap-around porch—ideal for entertaining or relaxing. Set on a generous 0.53-acre lot, there’s plenty of space for future additions like a pool or pool house.

Recently sold for $1,595,000.

Keller Williams Bermuda. www.kwbermuda.com

15

STRAPPROPERTIES BEST

Charming Bermuda Cottage

Endless Potential

Just Minutes from Horseshoe Bay Beach on Camp Hill Road, Southampton, this multi-unit property is ideal for investors or extended families. The main structure includes a 3-bedroom, 3-bathroom home plus a separate 3-bedroom, 2-bathroom apartment. In total, the approximately 2,786 sq. ft. residence is currently subdivided into five units—offering strong rental income potential or the chance to reimagine as a single-family home.

Set on 0.187 acres, the property features paved parking, a rear yard, and several private outdoor areas. Units include a twostory west wing, a studio, a 2-bed/1-bath upper unit, a lowerlevel ensuite bedroom, and both upper and lower apartments.

Conveniently located within walking distance to Heron Bay MarketPlace, public transport, schools, restaurants, and worldrenowned Horseshoe Bay Beach.

Whether you’re looking to live, rent, or renovate, this property is full of opportunity. $830,000 | Bermuda Longtail Real Estate Contact Cesa Edwards: Tel: 535-2769.

Email: cesa@bermudalongtail.com www.bermudalongtail.com

Nestled in the heart of Hamilton Parish, this cozy 2-bedroom, 1-bath cottage blends traditional charm with thoughtful updates. Perfect for first-time buyers, downsizers, or investors, the single-level home sits on 0.207 acres with shared access to the tranquil waters of Harrington Sound.

The open-plan living/dining area features high ceilings, natural light, and a working fireplace. The kitchen, updated with new plumbing and electrical in 2017, connects seamlessly to the living space. Two comfortable bedrooms, a full bathroom, and a multi-use laundry/storage room (added in 2017) round out the layout.

Recent exterior updates include roof cleaning and painting, and the windows remain in good condition. The generous yard offers plenty of space for gardening, entertaining, or possible expansion (subject to planning). Located minutes from grocery stores, restaurants, Shelly Bay, and L.F. Wade Airport. $675,000 Contact Cesa Edwards: Tel: 535-2769.

Email: cesa@bermudalongtail.com www.bermudalongtail.com

Waterfront Gem

This elegant 3-bedroom, 3-bathroom waterfront home offers timeless charm, ocean views, and a private pool in the heart of historic St. George’s.

A gated brick driveway leads to handcrafted cedar doors, opening to a three-level home filled with character. Enjoy sweeping sea views from open and covered verandas, perfect for entertaining or relaxing as longtails soar overhead.

Inside, you’ll find a welcoming foyer with stately columns, a loft office/art room, a cozy fireplace in the main living area, and formal dining that flows to a covered terrace. The kitchen, also with a fireplace, offers a warm gathering space.

The primary suite features an en-suite bath with double vanity, soaking tub, and shower. A flexible second bedroom/library includes its own bathroom, and a downstairs guest suite $1,400,000.

Contact Cesa Edwards: Tel: 535-2769. Email: cesa@bermudalongtail.com www.bermudalongtail.com 16

Bermuda Property Matters 2026

STRAP

BEST PROPERTIES

Investment Opportunity — $550,000

A rare opportunity to acquire an 8-unit apartment complex (8 assessment numbers) with an additional rear lot ideal for parking. Situated on a combined 0.229 acres, this centrally located property offers strong potential for staff housing or long-term rentals.

Located on the bus line and walking distance to beaches, some units even offer ocean views. A central courtyard could be transformed into a charming communal space.

The property requires a full renovation—roof, windows, doors, plumbing, electrical, landscaping, and interiors—but offers excellent upside. With limited rental inventory in this area, future demand is expected to be high.

Currently configured as seven 2-bedroom, 1-bath units and one 1-bedroom, 1-bath unit. A non-working well is also located on-site.

With vision and investment, this site can be transformed into a high-yield rental property. Don’t miss this opportunity.

Contact Cesa Edwards: Tel: 535-2769. Email: cesa@bermudalongtail.com www.bermudalongtail.com

The Havens

The Havens is a distinctive new development in Warwick offering modern style and thoughtful design. This newly built 2-bedroom, 1.5-bathroom stand-alone home is ideal for families or investors seeking quality and comfort and offered at $910,000.

The main floor features an open-plan living and dining area, an eat-in kitchen with ample storage, one bedroom, a powder room, and bonus storage under the stairs. Upstairs, the spacious primary bedroom includes a private patio, a full bathroom with double vanity, and a dedicated laundry room. A large attic provides additional storage space.

Situated on a 0.177-acre lot, the home boasts a generous yard perfect for entertaining. Enjoy the prestige of living near well-known residents Michael Douglas and Catherine Zeta-Jones.

Phase One of “The Havens” is ready for viewing—don’t miss this opportunity!

Contact Cesa Edwards: Tel: 535-2769.

Email: cesa@bermudalongtail.com www.bermudalongtail.com Bermuda Property Matters 2026

Oceanview Retreat This stunning ranch-style home offers unobstructed ocean views and sits beside a 9-acre nature reserve on a beautifully landscaped corner lot. The open-concept layout features vaulted ceilings, large windows, a formal dining room, and a bright kitchen with modern appliances, a center island, bay window, pantry, and access to a private bricked courtyard.

The primary suite includes a fireplace and his-and-hers bathrooms. Two additional bedrooms share a bath. Outdoor living shines with a pretty pool, large patio, and lush grounds for entertaining or relaxing.

Additional highlights: cozy family room, powder room, laundry, large office, garage, and a self-contained studio cottage with a separate assessment number. $3,490,000 The Property Group. Liz Wright.

Tel: 331-2014. Email: liz@tpg.bm. www.property-group.com

Rental Properties

We currently have a selection of Studio, 1 Bed, 2 Bed and 3 Bed rental properties on the South Shore – call or email us for more information.

Cranfields Property Bermuda. Rhys Cranfield. Tel: 703-1006.

Email: rhys@cranfieldsproperty.com www.cranfieldsproperty.com 17

BEST PROPERTIES

Ocean View Condo Cloverdale, South Shore, Devonshire: Incredible ocean views – lovely top floor apartment in this always popular development with extensive grounds, swimming pool and beach. Easy stroll to the Collector’s Hill “village” which offers a range of shops, grocery, pharmacy, restaurants. 2 bedrooms, 2 bathrooms. $700,000 Crisson & Co Real Estate. Herb Crisson.

Tel: 734-7000.

Email: hcrisson@crissonrealestate.com. www.crissonrealestate.com

Harrington Sound Lot New Hamilton Condominiums 33 Church Street is one of the first condominium properties in the City of Hamilton which is available for purchase by non-Bermudian work permit holders and international buyers without a qualifying EIRC investment.

Cranfields Property Bermuda. Sharon Cranfield.

Tel: 305-8074. Email: sharon@cranfieldsproperty.com www.cranfieldsproperty.com

Nestled along the serene waters of Harrington Sound, this 1.15 acre lot offers an extraordinary opportunity to build the private residence of your dreams. This is a rare opportunity to secure one of Bermuda’s most desirable waterfront locations. With its unmatched potential, this property is the perfect foundation for your ultimate luxury retreat. $4,500,000.

Cranfields Property Bermuda. Raj Tolaram.

Tel: 705-7705.

Email: raj@cranfieldsproperty.com www.cranfieldsproperty.com

Bierman Astor Estate

Mysterious and striking, this remarkable estate spans over 7 acres of picturesque coastal land and was once the private retreat of Vincent Astor and his wife Helen— offering a rare opportunity to own a slice of Bermuda’s storied past. US$ 2,900,000.

Cranfields Property Bermuda. Sharon Cranfield.

Tel: 305-8074.

Email: sharon@cranfieldsproperty.com www.cranfieldsproperty.com 18

Bermuda Property Matters 2026

STRAP

BEST PROPERTIES

Build in Smith’s

Nestled in the heart of Smith’s Parish, this 1.5-acre lot on Saucos Hill offers an ideal combination of privacy and convenience. With one acre designated as woodland reserve, nature lovers will enjoy a peaceful setting surrounded

by Bermuda’s lush greenery. The remaining nearly half-acre of buildable land presents a rare opportunity to design and construct your dream home in one of the island’s most soughtafter locations.

Centrally located, the property provides easy access to schools, restaurants, and local amenities, as well as scenic attractions like Spittal Pond Nature Reserve. Whether you’re seeking serenity or proximity to everyday essentials, this property offers the best of both worlds.

Don’t miss your chance to build in this idyllic setting. Priced at $650,000.

The Property Group. Gill Butterfield. Tel: 534-7746.

Email: gill@tpg.bm. www.property-group.com

Beautiful Beachfront

Stunning Newly Renovated Hidden Cove Condo. With Beautiful beachfront overlooking South Shores, secluded shared pool this ground floor unit is ‘Total Bliss’. The bright and cheery kitchen has been renovated with a huge center island, built in coffee maker and all major appliances. Adjoining laundry. The open plan double living/dining room with fireplace leading out to a deep patio overlooking the water and pavilion. Three ensuite bedrooms with renovated bathrooms. A garage and two storage rooms are also included. Hidden Cover Unit 13 was recently sold for $3,550,000.

Keller Williams Bermuda. www.kwbermuda.com

South Shore Coastline Perched 90 feet above the Southampton shore on 1.42 acres, Baicliff offers breathtaking panoramic ocean views and timeless luxury. This meticulously maintained 4-bedroom, 6-bath home is designed for elegant island living.

Enjoy year-round entertaining with a free-form swimming pool and beautifully landscaped gardens, complete with subtle lighting for magical evenings. A self-contained guest apartment adds privacy or workspace flexibility, while a backup generator, solar panels, and water tanks ensure peace of mind.

The extra-wide remote-access garage and ample storage enhance convenience. Inside, expansive windows frame sweeping ocean vistas, creating a tranquil, light-filled retreat.

Since 1984, Baicliff has blended comfort, style, and coastal serenity. Recently sold for $3,995,000, it remains a symbol of refined Bermuda living.

Keller Williams Bermuda www.kwbermuda.com Bermuda Property Matters 2026

19

BEST PROPERTIES

Oceanview Oasis Sweet Spot

Rocklands View is a stunning 5-bedroom, 6.5-bathroom estate in Warwick, offering 6,300 sq. ft. of luxury and spectacular South Shore views. The upper level includes three ensuite bedrooms, a sleek kitchen, dining room, and circular balcony overlooking the two-storey living room. The lower level features a dramatic entertaining space, home theatre, office, additional ensuite bedroom, compact kitchen, and garage. Step outside to a beautifully landscaped lawn, pool, and covered entertaining area with a guest powder room. A separate 1-bedroom apartment (1,100+ sq. ft.) is perfect for guests or rental income. With ample storage and flexible spaces, this home is ideal for family living or entertaining on a grand scale.

Recently sold for $2,995,000.

Keller Williams Bermuda. www.kwbermuda.com

Fernwood is perfectly positioned along Berry Hill Road bordering the Botanical Gardens and a stone’s throw away from King Edward Memorial VII Hospital.

Set on a 0.09 acres lot, this charming property is nestled on the roadside and surrounded by a lovely garden.

Fernwood, a wooden frame structure, offers a rare chance for someone to unleash their creativity and build a dream home in this well established, highly sought after neighbourhood. The land and neighbouring properties are zoned Residential 2, providing great potential for development. Don’t let this opportunity of owning something special pass you by. This is worthwhile!

MainPoint Real Estate. Erna DeGraff.

Tel: 335-0984.

Email: mainpointrealestate@gmail.com. www.mainpointrealestate.com

Stylish Warwick Townhome

Be among the first to own a residence at The Havens. Unit #4 features an open-plan kitchen, dining, and living area that opens onto a covered patio—perfect for entertaining.

The ground floor also includes a bedroom, full bathroom, and a large storage room accessible via the garden.

Upstairs, a versatile landing makes an ideal reading nook or desk space, along with a second bedroom, full bath, laundry, and the stunning primary suite. Enjoy a walk-in closet, double sinks, soaking tub, and walk-in shower.

Best of all, relax on your private balcony with views reaching to Dockyard.

Call today—your new home is waiting! $1,385,000 The Property Group. Cheryl Ford. Tel: 5056118. Email: cheryl@tpg.bm. www.property-group.com

20

Bermuda Property Matters 2026

BEST PROPERTIES

Exclusive Beachfront

Stunning Waterfront Lot This .18 acre lot overlooking St George’s Harbour and zoned Residential 2 is the perfect opportunity to build your dream home. There could be access to the water with a possible floating dock.

There is great potential here for — not least in the beautiful views that could be achieved. Priced at $350,000.

The Property Group. Sallyann Smith. Tel: 535-4521, Email: sallyann@tpg.bm www.property-group.com

Fairwind at Hidden Cove offers an unparalleled island lifestyle in one of Bermuda’s exclusive beachfront condominium developments. This 4-bedroom, 4.5-bathroom home located next to the prestigious Loren Hotel is perfectly situated to take advantage of the Loren’s fine dining, world-class spa and private club style experience. US$ 3,900,000.

Cranfields Property Bermuda. Raj Tolaram. Tel: 705-7705.

Email: raj@cranfieldsproperty.com www.cranfieldsproperty.com

Sophisticated Seclusion

Tucked away off Harrington Sound Road on a quiet lane, Maranta offers complete seclusion on a 0.825-acre lot. This spacious 4,000 sq.ft. home features 4 bedrooms plus a large studio apartment with a private entrance.

The main floor includes an oversized living room, formal dining room with French doors to a covered pool patio, and a high-ceiling kitchen with skylight and attached solarium for casual dining. The primary suite is expansive with vaulted ceilings, while two guest bedrooms share a full bath. A fourth bedroom (or office), two powder rooms, and a laundry room add to the home’s functionality. Downstairs includes a large games room, ample storage, and garage. Two assessment numbers included. $3,300,000.

Currently tenant-occupied until December 2025.

Keller Williams Bermuda. Donna Bennett. Tel: 535-9909 Email: donna.bennett@kwbermuda.com www.kwbermuda.com Bermuda Property Matters 2026

21

CLEANING

A Cleaner, Healthier Home — Inside and Out

Y

our home should be your sanctuary — clean, safe, and inviting. But between work, errands, family obligations, and everyday stress, it’s easy to let cleaning slip down the list of priorities. That’s where professional help can make all the difference. A professionally cleaned home isn’t just about sparkling floors and tidy rooms — it’s about protecting your health, your comfort, and your peace of mind.

cleaning of hard-to-reach areas, sanitizing high-touch surfaces, and using advanced products that help eliminate invisible threats to your family’s health.

Professional cleaners are trained to use the latest cleaning agents and equipment, ensuring every room is not just visibly clean, but thoroughly disinfected. They follow tested protocols and stay updated on new techniques and materials, so you don’t have to.

A Healthier Living Environment

Don’t Let Ants and Cockroaches Settle In

Maintaining a healthy home starts with cleanliness. Dust, mold, allergens, and bacteria can build up over time, even in the most well-kept homes. Regular professional cleaning goes beyond surface-level tidying — it includes deep

22

In Bermuda’s warm climate, pests like ants and cockroaches are common — and persistent. Even the cleanest homes can find themselves facing an unexpected infestation. These pests are more than

just a nuisance; they can spread bacteria and compromise your food storage and hygiene.

One of the best ways to deter them is to maintain a consistent, thorough cleaning routine. Crumbs, spills, and grease — especially in kitchens and under appliances — are like an open invitation. A professional cleaning team knows exactly where to look and how to clean those easyto-miss areas where pests thrive.

By keeping your home clean, dry, and clutter-free, you’re also making it much less attractive to pests looking for food and shelter. Regular deep cleaning combined with good housekeeping practices is one of the most effective first lines of defense against unwanted invaders.

Save Time and Stress

Let’s face it — cleaning takes time. And it’s not just the time spent doing it, but also the time spent thinking about it, planning for it, and buying all the right products. Hiring a professional cleaning service frees you from all that mental and physical clutter.

Instead of spending your weekend scrubbing the bathroom or chasing ants across your kitchen counter, you can relax, recharge, and focus on the things that matter most to you. Whether it’s quality time with family or just a few precious hours of peace and quiet, your time is valuable — and a clean home helps you make the most of it.

Atlantic Cleaning & Maintenance Ltd.

Locally owned and trusted for years, Atlantic Cleaning & Maintenance Ltd. understands Bermuda homes and the challenges they face. Whether it’s keeping mold and mildew at bay, preventing pest problems, or just giving your space a sparkling refresh, their team offers reliable, professional service that’s both fast and effective.

From scheduled maintenance to deep, one-time cleans, Atlantic Cleaning works around your needs to provide the highest standard of residential cleaning — so your home always looks and feels its best.

Call Atlantic Cleaning & Maintenance Ltd. today at (441) 236-4051 or email info@atlanticcleaning.bm to arrange a consultation. One call takes the worry off your plate and puts your home on the path to truly clean living.

Bermuda Property Matters 2026

How How to to reach reach the the experts experts Building, Interior Design, Decorating Services & Furniture Stores Anslie’s Interior Decor Design, Decorating Cindy Laws, Interior Decorating & Design Building, Interior Services & Furniture Stores Specialist, Custom Drapery & Professional Anslie’s Interior Decor Cindy Laws, Interior Decorating & Design Re-Upholstery Service, Drapery & Upholstery Specialist, Custom Drapery & Professional Fabrics, Drapery Hardware 236-9993 AIRCARE Ltd Re-Upholstery Service, Drapery292-7342 & Upholstery BAC Group Plumbing/Mechanical/HVAC/Energy Fabrics, Drapery Hardware 236-9993 Management/Solar/Life Safety 292-0881 AIRCARE Ltd 292-7342 BELCO 295-5111 Botelho Wood Architects 232-6563 BAC Group Plumbing/Mechanical/HVAC/Energy Eminence Tile & Stone Davita Warren, Sales Manager 297-6161 Management/Solar/Life Safety 293-8817 292-0881 Evergreen Landscaping Tony Figueiredo BELCOClass Air-Conditioning Ltd 295-5111 First Shawn Simons 333-3603 Furniture Flair Ltd Sara Lane Adderley 292-7272 Botelho Wood Architects 232-6563 Furniture Laura EminenceWalk Tile & Stone DavitaSmith-Mayne Warren, Sales Manager 292-5209 297-6161 HVAC Shack Wayne Clapham 747-7627 Evergreen Landscaping Tony Figueiredo 293-8817 Island Glass Ltd 295-5134 First Class Air-Conditioning Ltd ShawnFranks, SimonsCustomer Service 293-1007 333-3603 Jeffrey & Sons Ltd Sabrina OBM International Architecture, Interior Design Furniture Flair Ltd Sara Lane Adderley 292-7272 & Landscape Architecture 278-3550 Furniture Walk Laura Smith-Mayne 292-5209 P&M Electrical Terry Corday, Sr., Pres/Owner. 296-9524 Pembroke Zachary Simmons 292-8453 HVAC ShackTile & Stone Wayne Clapham 747-7627 Pimentel Pools Tony Figueiredo 293-8817 Island Glass Ltd 295-5134 Ross Painting Michael Ross 337-1168 JeffreyClosets & Sons Ltd SabrinaFranks, Franks,Customer CustomerService Service293-1007 293-1007 Smart Sabrina Treecon Ltd Leading suppliers of quality Residential & OBM International Architecture, Interior Design Commercial windows, doors and & Landscape Architecture 278-3550 storm protection 295-4771

P&M Electrical

Lawyers Pembroke Tile & Stone Conyers PimentelDiel Pools& Myers Limited Marshall Ross Ltd Painting MJM Trott Duncan Limited Smart&Closets

Treecon Ltd

Mortgages Bermuda Commercial Bank HSBC Bermuda

Lawyers

Real Estate Conyers Bermuda Longtail Real Estate Ltd Marshall Diel & Myers Limited Cranfields Property Bermuda MJM Ltd& Co Real Estate Crisson Joy Real Estate TrottLusher & Duncan Limited Keller Williams Bermuda Kim Sheen Properties MainPoint Real Estate Mortgages McInnis & Associates Bermuda Commercial Bank RealEstate.bm

HSBC Bermuda

The Property Group Ltd Real Real Estate Estate Appraiser MainPoint Real Estate

Bermuda Longtail Real Estate Ltd Cranfields Property Bermuda Specialty Services Crisson &Cleaning Co Real &Estate Atlantic Maintenance Joy LusherElite RealCleaners Estate Bermuda Bermuda Waterworks Keller Williams Bermuda Fast Forward Freight Kim Sheen Properties MainPoint Real Estate Bermuda McInnis & Property AssociatesMatters 2026

Terry Corday, Sr., Pres/Owner. 296-9524 Zachary Simmons 292-8453 Francesca Fox, Director 278-7989 Tony Figueiredo 293-8817 Darren Donnithorne 295-7105 Michael Ross 337-1168 Denis de Frias 292-1345 Perry TrottFranks, Customer Service295-7444 Sabrina 293-1007 Leading suppliers of quality Residential & Commercial windows, doors and storm protection 295-4771 Personal Banking Personal Lending

299-5959 (option 1) 299-5959 (option 5)

Francesca Fox, Director

278-7989

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bermuda@obmi.com Terry@pandmelectric.com sales@pts.bm Francesca.Fox@conyers.com pimentelpools@outlook.com Darren.Donnithorne@law.bm mrosspainting@gmail.com ddefrias@mjm.bm ptrott@td.bm smartclosetsbda@gmail.com treeconltd@treecon.bm

lending@bcb.bm treeconltd@treecon.bm

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www.conyers.com

brittany@tpg.bm sallyann@tpg.bm

www.property-group.com www.property-group.com

mainpointrealestate@gmail.com

www.mainpointrealestate.com

Cesa Edwards 232-2769 DarrenCranfield Donnithorne 295-7105 Sharon 305-8074 DenisCrisson de Frias 292-1345 Herb 734-7000 Sue Lusher 333-9138 Perry Trott 295-7444 Albert Moura 236-0737 Kim Sheen 734-1264 Erna DeGraff 296-0984, 335-0984 Heather McInnis 737-5753 James Cox, David Boyce, 543-9150 Andrea PersonalFlood Banking 299-5959 (option 1) Brittany Archer 505-1466 Personal Lending 299-5959535-4521 (option 5) Sally Ann Smith

www.bermudalongtail.com www.law.bm www.cranfieldsproperty.com www.mjm.bm www.crissonrealestate.com www.joylusher.com www.td.bm www.kwbermuda.com kim@kimsheenproperties.bm www.kimsheenproperties.bm mainpointrealestate@gmail.com www.mainpointrealestate.com heather@mcinnisandassociates.com www.mcinnisandassociates.com lending@bcb.bm info@realestate.bm www.realestate.bm

Erna DeGraff

Cesa Edwards Sharon Cranfield HerbFerreira Crisson Allen Sue Lusher Jackie DeMello Karlene Kelly Albert Moura Tim Southern KimMartins Sheen Luis Erna DeGraff Heather McInnis

296-0984, 335-0984

232-2769 305-8074 734-7000 236-4051 333-9138 705-8821, 234-1043 299-7873 236-0737 292-9509 734-1264 292-9509 296-0984, 335-0984 737-5753

cesa@bermudalongtail.com Darren.Donnithorne@law.bm sharon@cranfieldsproperty.com ddefrias@mjm.bm hcrisson@crissonrealestate.com sue@joylusher.com ptrott@td.bm albert.moura@kwbermuda.com

cesa@bermudalongtail.com sharon@cranfieldsproperty.com hcrisson@crissonrealestate.com info@atlanticcleaning.bm sue@joylusher.com bdacleaners@btcnet.bm purewater@bwl.bm albert.moura@kwbermuda.com

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www.bermudalongtail.com www.cranfieldsproperty.com www.crissonrealestate.com www.AtlanticCleaning.bm www.joylusher.com www.bwl.bm www.kwbermuda.com Tim@teamfast.bm www.teamfast.bm kim@kimsheenproperties.bm www.kimsheenproperties.bm Luis@teamfast.bm www.teamfast.bm mainpointrealestate@gmail.com www.mainpointrealestate.com heather@mcinnisandassociates.com www.mcinnisandassociates.com 23

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